Think you don’t need disability insurance? Think again.

You’re young, you’re healthy and you have a thriving career. The last thing you need to worry about is disability insurance, right?

Wrong — for two reasons.

Reason #1: Disability doesn’t discriminate based on age, gender or race. And most people vastly underestimate their chances of being unable to work at some point in their careers because of injury or illness. In fact, a Council for Disability Awareness study last year reported more than 20 percent of workers under 40 say they’re more likely to win a big lottery than become unable to work due to illness or injury.

Ready for the real odds? One chance in 259,000,000 you’ll hit the jackpot vs. one in four you’ll be disabled during your career, according to the CDA. Which do you want to gamble on?

Reason #2: Your ability to earn an income may well be your most valuable asset.  OK, most people get that. In the same CDA study, people ranked their income right up there with their home — and just behind their health — as by far the three most important things in life.

But most working consumers aren’t doing anything to protect that all-important resource. A strong majority agree it’s important to protect their health and home, but only 28 percent see protecting their income as crucial. In fact, way more people — 73 percent — think it’s important to protect their car, the CDA survey shows.

Affordable financial safety net

Consider your daily living expenses: mortgage or rent, gas, utilities, food, day care — not mention the fun stuff like movies, soccer camp, piano lessons or those great shoes that just went on sale. How long could you continue to pay your bills without your paycheck?

Many, if not most, of America’s workers are already stretched thin financially. A 2013 survey said more than three-quarters are living paycheck-to-paycheck at least some of the time. And the CDA survey said only 38 percent of adults have an emergency fund to fall back on.

Disability insurance purchased at your workplace, often through payroll deduction, can provide an affordable financial safety net to protect you and your family’s way of life. So take a few moments to educate yourself. There’s lots of good information on the Council for Disability Awareness website, or visit Colonial Life’s benefits learning center. Then, if your workplace doesn’t already offer disability insurance as an employee benefit, ask them to add it. It’s easy and affordable with the right benefits partner.

Because suffering a disability really could be the last thing you need to worry about — if you take steps now to do something about it.

About the author

Judy Bezler is an Independent Representative of Colonial Life responsible for marketing Colonial Life’s products and services throughout the Carolinas.

Colonial Life & Accident Insurance Company is a market leader in providing financial protection benefits through the workplace, including disability, life, accident, dental, cancer, critical illness and hospital confinement indemnity insurance. The company’s benefit services and education, innovative enrollment technology and personal service support more than 80,000 businesses and organizations, representing more than 3 million of America’s workers and their families. 

For more information call Judy at (704) 559-9323, visit or connect with the company at, and

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